right, if they get in trouble, the government will blink and come to their aid. i would like to hear the presidential candidates talk a little bit more about this and say, call out too big to fail, the pernicious doctrine that it is, tvs not going to happen again. the traditional banks are hurt by near zero interest rate policies. traditional banks have to lend to make money. big mega banks have huge trading books. they have to invest overseas. there are a lot of places to make money in a near zero interest rate environment. >> the low interest rates which the federal reserve told us are going to be that way until 2015 are also hurting savers. >> they absolutely are. it creates inflation risk. yes, people are being penalized. the return they get, if they're investing their savings someplace safe, the return they're getting is not keeping pace with inflation. every year they're losing money. and so, of course, that creates incentives to go and invest in riskier assets. that's what we had with the crisis. we had very low interest rates then. not nearly as low as th